3821 PINEWOOD GARDENS BOULEVARD, ST CLOUD, FL, 34769
Active3 days on marketListed Aug 10, 2026MLS #TB8537436
About this home
3821 PINEWOOD GARDENS BOULEVARD
Welcome home to a lifestyle designed for comfort, space, and everyday enjoyment! Built in 2019, this beautiful two-story home offers 3 bedrooms, 2.5 bathrooms, a spacious den, and a 2-car garage, combining modern features with a warm and inviting feel. The open-concept living area flows seamlessly into a stylish kitchen featuring a large center island with seating, granite countertops, stainless steel appliances, and plenty of cabinetry—perfect for casual mornings, entertaining friends, or gathering with family. Step outside and enjoy a generous private, fully fenced backyard with an extended paver patio, offering plenty of room for outdoor dining, entertaining, pets, play, or simply relaxing and enjoying the Florida lifestyle. Inside, crown molding throughout the home adds an elegant finishing touch, while a smart home system with Alexa brings convenience to your daily routine. The home is also equipped with a water softener/filtration system for added comfort. The spacious den provides the flexibility today's lifestyle demands—ideal for a home office, media room, playroom, or additional living space. Upstairs, the bedrooms offer a comfortable retreat from the main living areas. Modern, spacious, move-in ready, and designed for both entertaining and everyday living—this is a home where you can truly settle in and enjoy the Florida lifestyle. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,087
Sqft
0.17 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$182
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,920 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,920/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−11.8%
$/sqft vs St Cloud actives
$182 vs $218
Days on market
3 vs 46 typical
Where $182/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $392K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
230 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3821 PINEWOOD GARDENS BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$357,000
2751 WADEVIEW LOOP · same community
4 bd · 2 ba · 1,958 sqft · $182/sqft · 127 DOM
Sold · May ’26$375,000
2620 WADEVIEW LOOP · same community
4 bd · 2 ba · 1,684 sqft · $223/sqft · 74 DOM
Sold · Nov ’25$372,000
2491 WADEVIEW LOOP · same community
3 bd · 2 ba · 1,614 sqft · $230/sqft · 101 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3821 PINEWOOD GARDENS BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3821 PINEWOOD GARDENS BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3821 PINEWOOD GARDENS BOULEVARD FAQs
What would the monthly payment be for 3821 PINEWOOD GARDENS BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,920/mo — principal and interest, the actual property-tax bill, the $49/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3821 PINEWOOD GARDENS BOULEVARD?+
The association fee works out to $49 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3821 PINEWOOD GARDENS BOULEVARD?+
The most recent tax bill on record (2025) was $3,695. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3821 PINEWOOD GARDENS BOULEVARD?+
The listing reports pets: Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $379,700, this home is listed about 12% below the St Cloud median of $429,499. The market section on this page shows how the area is trending.
Which schools are assigned to 3821 PINEWOOD GARDENS BOULEVARD?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$379,700 runs 43% above the ST CLOUD 34769 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a St Cloud market that averages 46 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Roxana Sangiorgi. MLS #TB8537436.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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